Electronic System and Method For Credit-Based Investments

Abstract

The present disclosure generally relates to an electronic system, a computerized method, and a non-transitory computer-readable storage medium comprising instructions for credit-based investments. The system comprises a server configured to receive details of a credit payment instrument of a consumer and associated with a credit line; identify an issuer financial institution associated with the credit payment instrument; retrieve details of financial investment products offered by financial investment institutions and predetermined between the issuer financial institution and the financial investment institutions; communicate details of the financial investment products and a set of investment options associated therewith to the consumer; receive investment details determined by the consumer; and perform an investment transaction for investing the investment amount in the financial investment portfolio based on the investment details.

What is claimed is: 
     
         1 . An electronic system for credit-based investments, the system comprising a server configured to:
 receive details of a credit payment instrument associated with a consumer, the credit payment instrument further associated with a credit line;   identify, from an issuer database, an issuer financial institution associated with the credit payment instrument;   retrieve, from a financial investment database, details of one or more financial investment products offered by one or more financial investment institutions, the financial investment products predetermined between the issuer financial institution and the one or more financial investment institutions;   communicate, to the consumer, details of the financial investment products and a set of investment options associated therewith;   receive investment details determined by the consumer, the investment details comprising:
 a financial investment portfolio comprising a selection of the financial investment products offered by a financial investment institution selected by the consumer; 
 the investment options defined by the consumer; and 
 a percentage value defined by the consumer for determining an investment amount from the credit line; and 
   perform an investment transaction for investing the investment amount in the financial investment portfolio based on the investment details.   
     
     
         2 . The system according to  claim 1 , wherein the server is further configured to adjust the percentage value to be within a percentage range predefined by the issuer financial institution if the percentage value falls outside the predefined percentage range. 
     
     
         3 . The system according to  claim 1 , wherein the server is configured, in connection with performing the investment transaction, to debit the investment amount from the credit line and transfer the investment amount from the credit payment instrument to the selected financial investment institution. 
     
     
         4 . The system according to  claim 1 , wherein the investment options comprise tenure options for determining a tenure period for investing the investment amount. 
     
     
         5 . The system according to  claim 4 , wherein the investment transaction is performed when the tenure period starts. 
     
     
         6 . The system according to  claim 4 , wherein the server is further configured to perform a return transaction when the tenure period ends. 
     
     
         7 . The system according to  claim 6 , wherein the server is configured, in connection with performing the return transaction, to transfer a return amount from the selected financial investment institution to the credit payment instrument and credit the return amount to the credit line. 
     
     
         8 . The system according to  claim 7 , wherein the return amount comprises the investment amount and investment gains, the investment gains for offsetting a used portion of the credit line. 
     
     
         9 . The system according to  claim 4 , wherein the investment options comprise tranche options relating to investing the investment amount as a single tranche upon start of the tenure period or as multiple tranches during the tenure period. 
     
     
         10 . The system according to  claim 1 , wherein the investment options comprise risk options relating to investment risks of the financial investment portfolio. 
     
     
         11 . The system according to  claim 1 , wherein the server is further configured to perform a commission transaction in response to completion of the investment transaction, to transfer a commission amount from the selected financial investment institution to the issuer financial institution. 
     
     
         12 . A computerized method for credit-based investments, the method comprising:
 receiving, by a server of an electronic system, details of a credit payment instrument of a consumer, the credit payment instrument associated with a credit line;   identifying, by the server, from an issuer database, an issuer financial institution associated with the credit payment instrument;   retrieving, by the server, from a financial investment database, details of one or more financial investment products offered by one or more financial investment institutions, the financial investment products predetermined between the issuer financial institution and the one or more financial investment institutions;   communicating, by the server, to the consumer, details of the financial investment products and a set of investment options associated therewith;   receiving, by the server, investment details determined by the consumer, the investment details comprising:
 a financial investment portfolio comprising a selection of the financial investment products offered by a financial investment institution selected by the consumer; 
 the investment options defined by the consumer; and 
 a percentage value defined by the consumer for determining an investment amount from the credit line; and 
   performing, by the server, an investment transaction for investing the investment amount in the financial investment portfolio based on the investment details.   
     
     
         13 . The method according to  claim 12 , further comprising adjusting the percentage value to be within a percentage range predefined by the issuer financial institution if the percentage value falls outside the predefined percentage range. 
     
     
         14 . The method according to  claim 12 , wherein performing the investment transaction includes comprising debiting the investment amount from the credit line and transferring the investment amount from the credit payment instrument to the selected financial investment institution. 
     
     
         15 . The method according to  claim 12 , wherein the investment options comprise tenure options for determining a tenure period for investing the investment amount. 
     
     
         16 . The method according to  claim 15 , further comprising performing a return transaction when the tenure period ends. 
     
     
         17 . The method according to  claim 16 , wherein performing the return transaction includes transferring a return amount from the selected financial investment institutions to the credit payment instrument and crediting the return amount to the credit line. 
     
     
         18 . The method according to  claim 12 , further comprising performing a commission transaction in response to completion of the investment transaction, the commission transaction for transferring a commission amount from the selected financial investment institutions to the issuer financial institution. 
     
     
         19 . A non-transitory computer-readable storage medium storing computer-readable instructions that, when executed, cause a server to:
 receive details of a credit payment instrument of a consumer, the credit payment instrument associated with a credit line;   identify, from an issuer database, an issuer financial institution associated with the credit payment instrument;   retrieve, from a financial investment database, details of one or more financial investment products offered by one or more financial investment institutions, the financial investment products predetermined between the issuer financial institution and the one or more financial investment institutions;   communicate, to the consumer, details of the financial investment products and a set of investment options associated therewith;   receive investment details determined by the consumer, the investment details comprising:
 a financial investment portfolio comprising a selection of the financial investment products offered by a financial investment institution selected by the consumer; 
 the investment options defined by the consumer; and 
 a percentage value defined by the consumer for determining an investment amount from the credit line; and 
   perform an investment transaction for investing the investment amount in the financial investment portfolio based on the investment details.